The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,003
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$664/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,678
+HK$1,358/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,365
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$636/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$25,926
+HK$1,298/mo
Deposit HK$4.61M · loan HK$4.61M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,203
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,987
−HK$797/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,629/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,038
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$763/mo
Today · 4.125%
HK$29,553
baseline
▲ 0.50% · 4.625%
HK$31,111
+HK$1,558/mo
Deposit HK$3.68M · loan HK$5.53M · min. income ≈ HK$59,106/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,318
−HK$930/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$33,149
+HK$1,901/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,711
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,589
−HK$890/mo
Today · 4.125%
HK$34,479
baseline
▲ 0.50% · 4.625%
HK$36,296
+HK$1,817/mo
Deposit HK$2.76M · loan HK$6.45M · min. income ≈ HK$68,958/mo (50% DSR)
Upfront cash ≈ HK$3.05M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,805
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,194/mo
Today · 4.125%
HK$40,175
baseline
▲ 0.50% · 4.625%
HK$42,620
+HK$2,445/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$80,350/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,057
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,185
−HK$1,145/mo
Today · 4.125%
HK$44,330
baseline
▲ 0.50% · 4.625%
HK$46,666
+HK$2,336/mo
Deposit HK$921K · loan HK$8.29M · min. income ≈ HK$88,660/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$291,067 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).